Give Me Credit Episode 42

What happens when credit systems stop seeing people and start seeing patterns?In this latest episode of Give Me Credit, John Mackey and I welcome ethics professor Neil Tift back to the podcast for a deeper discussion about algorithmic credit systems and the growing power imbalance inside modern lending.We talk about:• How predictive data can override human context• Why financial hardship often gets treated like personal failure• The ethical responsibility of lenders and system designers• Capitalism with a conscience• What happens when algorithms quietly manage opportunityThis conversation goes beyond credit scores. It touches on fairness, accountability, and the real lives affected by automated decision-making.It may be one of our most important conversations yet.Listen now and tell us your thoughts. Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe